Miami, FL—Underinsured motorist coverage is a type of insurance coverage that will pay for an accident with an at-fault driver who doesn’t have enough insurance coverage or high enough limits to satisfy the damage they caused.1 For instance, if a driver is only carrying the minimum insurance coverage the State of Florida requires and they cause an accident that results in damages that are valued higher than what their limits are set at, the other driver may be entitled to recover the money the at-fault party’s policy won’t pay from their underinsured coverage.
Essentially, underinsured coverage kicks in when a driver causes an accident, but their policy limits aren’t enough to pay for the damages. Now, in order for a driver to utilize underinsured coverage, they must have added this to their policy. The State of Florida does not require drivers to carry underinsured coverage which means coverage is only available to those who purchased it. If an accident victim has purchased underinsured coverage, then they would need to file a claim with their insurance carrier in addition to filing one with the other driver’s insurance company.
Should an accident victim hire an attorney to assist with the claims process?
If an accident victim is finding that their claim isn’t being processed within a reasonable amount of time or feels their claim is being undervalued, then they should definitely consider contacting a Miami, FL car accident lawyer. However, accident victims are always encouraged to schedule a consultation with an attorney as soon after the accident as possible as they can provide some useful advice that could help a victim obtain the money they are entitled to.
Other Benefits of Hiring a Lawyer After a Car Accident in Miami
When an insurance company learns that their policyholder has been involved in an accident with another driver, they may try and reach out to that individual to find out what happened. They may ask questions about what may have led up to the accident as well as how the individual is feeling. An accident victim needs to be aware of how they answer these questions as their responses could jeopardize their chances of recovering compensation for medical expenses, lost wages, and more.
With that said, one of the advantages of hiring a Miami, FL car accident attorney following a collision is they can handle all communications with the insurer. This way, the adjuster can’t obtain a statement that could later be used against the accident victim. In addition, a lawyer is also going to review the driver’s policy limits and ensure their client is being awarded a fair settlement.
If an accident victim would like to receive a free case evaluation to decide whether they need to retain a car accident attorney in Miami, they can contact Mario Trespalacios P.A. at 305-261-5800.
Mario Trespalacios P.A. can be contacted at:
9495 SW 72 Street, Suite B-275
Miami, FL 33173